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SAFE & SOUND® STAR RATINGS

BAILEYVILLE STATE BANK

611 NORTH 2ND
SENECA, Kansas 66538

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 998750




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$41,406$40,184$38,547
Loans Receivable, Net23,53721,63020,448
Mortgage-Backed Securities5,4355,0013,472
Investments10,60011,49213,026
Deposits34,39332,43932,105
Borrowings3,1524,4882,427
Equity3,6913,1943,684
Net Interest Income1,2391,1521,270
Fee Income565648
Overhead1,1021,0451,041
Net Operating Income291150269
Net Income231144256
Ratio Analysis Profitability%%%
Return on Assets *0.570.370.67
Operating Return on Assets *0.720.390.70
Return on Equity *6.524.297.20
Net Interest Margin *3.173.093.44
Fee Income / Assets *0.140.140.13
Overhead / Assets *2.732.692.71
Efficiency Ratio80.7985.8779.77
Asset Quality%%%
Nonperforming Assets / Assets0.201.091.77
Nonperforming Assets / Equity & Loss Reserves2.1112.8116.98
Loss Reserves / Nonperforming Loans627.50383.0550.44
1-4 Fam Mtg + MBS / Assets27.8525.6522.35
Commercial Real Estate Loans / Assets2.152.001.42
Construction Loans / Assets1.294.354.31
Commercial & Industrial Loans / Assets8.8910.039.19
Consumer Loans / Assets2.202.152.71
Capitalization%%%
Equity / Assets8.917.959.56
Tangible Capital / Tangible Assets8.917.959.56
Risk-based Capital Ratio16.1115.1615.75
Liquidity%%%
Loans / Deposits68.4466.6863.69
Non-Interest Bearing Deposits / Deposits12.1012.3412.71
Purchased Liabilities8.5112.427.18

* Calculations are based on the latest four quarters of income and expense.
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